Terms and conditions

Please read these carefully before using this site  

What's in these terms?

We are very pleased that you have decided to visit our site. Smart provides a variety of different products and services to consumers and businesses. Our services are diverse and so sometimes additional terms or product requirements (including age requirements) may apply. Additional terms will be available with the relevant products or services, and those additional terms become part of your agreement with us if you use those products and services.

By using our site, or our services or products, you are agreeing to these terms and any additional terms that may be applicable to that product or service. 

If you would like further information on our terms and conditions for our autoenrolement.co.uk pension service, please visit autoenrolment.co.uk.

These terms tell you the rules for using www.smart.co (our site). 


Table of contents

Who we are and how to contact us

We are registered in England and Wales under company number 09026697 and have our registered office at 40 Eastbourne Terrace, London W2 6LA. 

Smart Pension is regulated by the Pensions Regulator.

By using our site you accept these terms

By using our site, you confirm that you accept these terms of use and that you agree to comply with them when using our site. If you don’t agree to these terms, you must not use our site. Please feel free to print a copy of these terms for future reference.

There are other terms that may apply to you

In addition to our site terms of use, please read our Privacy Notice, and our Cookie Policy, which also apply to your use of our site. We also have an Accessibility Notice which is available here

If you are an employer, employee or advisor and want to use our autoenrolment.co.uk services, our Terms and Conditions for those are here.

We may make changes to the terms or our site 

We may amend these terms from time to time, please check these terms whenever you use our site to ensure you understand the terms that apply at that time. 

We may also update and change our site at any time including to reflect changes to our products, our customer’s needs or our business. 

We don’t guarantee that our site, or any content on it, will always be available or be uninterrupted and we may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. 

Please ensure that where you allow others to access this site through your internet connection, you make them aware of these terms of use and any other applicable terms and conditions, and ensure they understand that they must comply with them.

We may transfer this agreement to someone else 

We may transfer our rights and obligations under these terms to another organisation, if we do, we will tell you if this happens.

Rules about our Intellectual Property, content, our logos or trademark and our software

How you may use the content and material on our site

We are the owner or the licensee of all intellectual property rights in our site, including the content and material published on it. These works are protected under copyright so please don’t use our logo, or any Smart brand or trademark (or similar) without our say so. Smart reserve all rights in its intellectual property.

Our trademarks or logos

Please do not use any of our trademarks or logos without our permission, this is not permitted unless we agree, in writing, that you may.

Use of our content

We do understand that you may want to download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site but please don’t use any content for commercial use – this is prohibited under our terms of use. If you want to use any part of our site for commercial reasons, please contact us and obtain our written permission. 

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Do not rely on information on this site

The content on our site is provided for general information only. We make reasonable efforts to update the information on our site, but we can’t guarantee or warrant that the content is accurate, complete or up to date. The content is not intended to amount to advice on which you should rely. 

Where our site links to other sites or resources provided by third parties, these links are provided for your information only and nothing more. These links or information within them are not approved or endorsed by Smart as we have no control over the contents of those sites or resources. That includes any bulletin boards or chat rooms that these other sites may provide.

How to complain or feedback

If you wish to complain or feedback about content, please contact customer services on newbusiness@smartpension.co.uk.

Our responsibility for loss or damage suffered by you

Whether you are a consumer or a business user

We do not exclude or limit our liability to you, in any way, where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. 

Unless we have stated expressly in these terms, or our additional terms, Smart does not make any commitments about the content of the site, or any services detailed on the site, or the functionality of the site or any services.

If you are a business user

To the extent possible in law, we exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it, in any jurisdiction. 

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with, use of, or inability to use, our site; or use of or reliance on any content displayed on our site, including loss of profits, sales, business, or revenue, business interruption, loss of anticipated savings, loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage. This includes loss of profits, revenue, data, exemplary or punitive damages. 

To the extent permitted by law, our total liability for any claims under these terms, including any implied warranties, shall be limited to the amount you have paid us for using services.

If you are a consumer user

We only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

How we may use your personal information 

We will only use your personal information as set out in our Privacy Policy and our Cookie Policy.

Laws and disputes

Parts of our site may be directed to people residing in England or the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations. 

If you are a consumer living in the United Kingdom, European Economic Area or Switzerland, the laws of your country of residence will apply to any dispute arising from these terms. 

Otherwise, these terms of use and any other applicable terms are governed by English law and you agree to the exclusive jurisdiction of the courts of England and Wales unless otherwise expressly agreed by us in writing.